Studio Financial Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	60.3	54.29	49.95	42.29	25.34	15.59
Interest Income on Investments	10.28	10.28	9.6	6.79	3.08	1.23
Total Interest Income	70.58	64.57	59.54	49.08	28.43	16.83
Interest Paid on Deposits	29.66	27.98	27.81	23.48	4.55	1.46
Interest Paid on Borrowings	5.09	4.88	6.25	2.89	0.9	0.03
Total Interest Expense	34.75	32.85	34.06	26.37	5.45	1.49
Net Interest Income	35.83	31.72	25.49	22.71	22.97	15.34
Net Interest Income Growth	30.01%	24.45%	12.22%	-1.14%	49.79%	68.58%
Gain (Loss) on Sale of Investments	0.31	0.31	-	-	-	-
Other Non-Interest Income	2.05	3.01	1.24	0.59	0.38	0.34
Total Non-Interest Income	5.62	6.52	4.66	3.06	3.77	6.53
Non-Interest Income Growth	-7.71%	39.97%	52.37%	-18.92%	-42.20%	-1.45%
Revenues Before Loan Losses	41.45	38.25	30.15	25.77	26.75	21.87
Provision for Loan Losses	3.33	2.25	0.58	2.27	2.91	1.35
Revenue	38.12	35.99	29.57	23.5	23.84	20.52
Revenue Growth	17.34%	21.72%	25.82%	-1.41%	16.17%	44.73%
Salaries and Employee Benefits	19.57	18.14	13.47	13.02	13.16	12.23
Occupancy Expenses	0.12	-	-	0.62	0.51	0.32
Federal Deposit Insurance	-	-	-	0.68	0.46	0.29
Selling, General & Administrative	6.74	6.6	4.98	3.97	3.59	2.44
Other Non-Interest Expense	4	3.87	2.83	2.02	1.39	0.96
Total Non-Interest Expense	30.43	28.61	21.27	20.31	19.1	16.24
EBT Excluding Unusual Items	7.69	7.39	8.3	3.19	4.74	4.27
Pretax Income	7.69	7.39	8.3	3.19	4.74	4.27
Income Tax Expense	1.01	0.92	1.58	0.91	0.66	-2.34
Net Income	6.68	6.46	6.72	2.29	4.08	6.61
Preferred Dividends & Other Adjustments	0.1	0.1	0.05	0.02	0.01	0.01
Net Income to Common	6.58	6.36	6.66	2.27	4.06	6.6
Net Income Growth	-0.37%	-4.50%	193.40%	-44.12%	-38.41%	710.86%
Basic Shares Outstanding	7	7	7	7	7	6
Diluted Shares Outstanding	7	7	7	7	7	6
Shares Change	0.72%	0.88%	-6.49%	0.29%	18.58%	8.73%
EPS (Basic)	0.93	0.91	0.95	0.31	0.56	1.07
EPS (Diluted)	0.93	0.90	0.95	0.30	0.54	1.05
EPS Growth	-1.01%	-5.26%	216.67%	-44.44%	-48.57%	609.53%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Effective Tax Rate	13.16%	12.50%	19.09%	28.38%	13.97%	-